Convicted Of A High-Risk Traffic Violation? 4 Things You Should Know About SR22 Coverage

Posted on: 26 June 2017

Tickets for traffic violations are never fun. However, when you've been convicted of a serious traffic violation, the penalties can often be more substantial than a simple ticket. In some cases, you may lose your right to drive for a specific amount of time. Or, you may be required to obtain SR22 insurance coverage before you're allowed to resume your driving privileges. Regardless of the requirements, it's important that you follow them precisely. If you've been ordered to obtain SR22 coverage, here are four things you should know about the coverage.

SR22 Coverage Isn't for Every Traffic Violation

SR22 coverage isn't for everyone. In fact, the coverage isn't required for minor traffic violations. However, if you've been convicted of a traffic violation that involved activities that are considered to be "high risk" such as driving under the influence, or reckless driving, or any violation that resulted in injuries to others, you'll probably be required to obtain SR22 coverage before you'll be allowed to drive again.

You Can Purchase it From Your Insurance Agent

Purchasing SR22 coverage is relatively simple. In most cases, you'll just need to contact your insurance carrier, and let them know that you'll be requiring this coverage. If you're trying to avoid notifying your insurance company, you should know that they'll probably be notified by the DMV. If you don't have current auto insurance, you'll need to obtain that coverage first, and then add SR22 to the policy.

SR22 is a Way of Certifying Your At-Risk Insurance

Many people think that SR22 coverage is insurance. However, it's actually a way of certifying that you have the proper insurance coverage that's required if you're a high-risk driver. Once you pay for your coverage, you'll be provided a certificate of coverage. Be sure to keep that with your important records. You may also be required to file a certificate of coverage with the courts. Be sure to do that, as well. If you fail to maintain your SR22 coverage, you may have your driving privileges revoked again.

Your Judge will Determine How Long You Need the Coverage

During the sentencing for your driving conviction, the judge will determine how long you'll need to maintain proper SR22 coverage. The length of time will be determined by the severity of your traffic violation. In most cases, it won't be more than a couple of years.

If your driving conviction requires you to maintain SR22 coverage, contact an insurance company such as Able Insurance Agency. They'll be able to help you get the coverage you need.


Choosing The Right Auto Insurance

When you are involved in a car accident, the only thing that matters is protecting your family and dealing with the aftermath of the problem. Unfortunately, one of the things you have to cope with after an accident is repairing your car, which is why auto insurance is so crucial. A few years ago I had a cut-rate plan, which really caused problems when I was involved in an auto accident. It was really discouraging to see how much of a difference it made once I switched to a better company, and I will never go back to using a basic plan again. Check out this blog for great information on choosing auto insurance.


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